‘Unusual Risks Estimate That 50.1% Of HIV Positive People Were Uninsurable For Life Insurance’

By Chris | Published: August 11, 2023

50.1% of people living with HIV who were previously deemed uninsurable by the Life Insurance Industry, are now insurable according to Unusual Risks, the Specialist Life Insurance Advisers to the HIV Community. They introduced their new Co-Risk Life Insurance service for people who had previously been deemed uninsurable earlier this year.

The service welcomes people even if they have been declined for Life Insurance in the past and offers accessible products for people living with HIV who have also been diagnosed with a Co-Risk medical condition such as HIV with Hepatitis B, Hepatitis C, Diabetes Type 1, Diabetes Type 2, Syphilis, Tuberculosis – plus a host of other medical conditions.

Speaking about “Co-Risk” Life Insurance Chris Morgan, Lead Financial Adviser of Unusual Risks Said …

“Since we introduced the Co-Risk Life Insurance Service earlier in the year, we have been meeting many clients living with HIV who have been declined by Life Insurance Companies over the last 20 Years. We have finally been able to achieve Life Insurance terms for those people helping them to protect their families and their homes “

Chris Continued …

“Most of these applicants were not given any reasonable explanation by the companies at the time, which made them wary of applying for cover again. We would particularly encourage people with multiple Co-Medical Conditions, who would have certainly been declined in the past to approach us so we can help them to try for Life Insurance cover again”.

Chris Morgan and Unusual Risks have campaigned on behalf of the HIV Community for over two decades, firstly for the introduction of HIV Life Assurance, followed by the lengthening of policy terms and then, most recently the reduction of monthly premiums. Their most recent success is securing “Co-Risk” life Insurance terms for people living with HIV, who also have other significant medical condition such as Hepatitis, Diabetes, Syphilis and Tuberculosis.  

Unusual Risks are very proud to have played the lead role in improving the accessibility of financial products for people with HIV over the last fourteen years and will continue to work on behalf of the community to secure better products. They are now able to guarantee all people living with HIV between the ages of 18 and 64 access to some form of Life Insurance.

Unusual Risks are the UK’s leading financial advisers offering advice to clients living with HIV or Hepatitis on HIV Life Assurance, HIV Life Insurance, HIV Mortgages, Hepatitis C Life Assurance, Hepatitis C Life Insurance, Hepatitis C Mortgages.

They are also the UK’s leading experts at planning Life Assurance and Mortgages for HIV Positive Families and are able to assist HIV Positive people looking for advice on their Pensions and Investments. *Please note Income Protection and Critical Illness is not currently available to people living with HIV.

For more information about these services please contact Unusual Risks Mortgage & Insurance Services by phone 0845 474 3075. Email Enquiries@unusualrisks.co.uk or visit us online at http://www.unusualrisks.co.uk/web www.unusualrisks.co.uk

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